Takaful money after death: subject to faraid, or the beneficiary's own?

For a family takaful plan where the beneficiary is nominated by way of hibah (gift), the benefit is usually paid directly to that beneficiary as their own property, not as part of the estate. This is based on the takaful contract and the Islamic financial services law in Malaysia. If the beneficiary is nominated as executor/administrator only, or there is no nomination, the benefit becomes part of the estate divided by faraid. So read the nomination form carefully. A polygynous husband should use nominations fairly to secure each wife and child. Check the policy documents with the takaful operator and consult a Syarie lawyer if in doubt.